IRDAI Fraudulent messages / unsolicited commercial messages


Quick Summary
The Insurance Regulatory and Development Authority of India (IRDAI) has issued a circular regarding fraudulent and unsolicited commercial messages. Insurers are instructed to register their message templates with their telecom service providers. This measure, aligned with TRAI's framework, aims to protect policyholders from fraudsters and ensure legitimate messages are delivered.

Insurance Regulatory and Development Authority of India

Circular

Ref. No: IRDA/IT/CIR/MISC/063/03/2021

Date: 24-03-2021

To, 

All Insurers 

Sub: Fraudulent messages / unsolicited commercial messages – Reg.

Please be aware that spam calls / messages have become a menace and a matter of concern to the policyholders /consumers.

1. In July 2018, Telecom Regulatory Authority of India (TRAI) notified the regulatory framework for unsolicited commercial calls and messages which requires Principal entities (PE) including Insurers to register with their respective telecom service providers, to be allotted a header along with their identity for proper identification of all messages and voice calls.

2. All Insurers are hereby directed to register their templates of the messages with their respective telecom service providers in controlling unsolicited calls including fraudulent calls and massages from Insurers to the Policyholders.

3. The new framework of TRAI is to enable policyholder protection and in the interest of public from fraudsters using fake identities as Insurers. Also, TRAI has indicated that the non-adoption of its new procedures would result in disruption of delivery of messages to the policyholders.

Insurers are directed to complete the template registrations with their respective telecom service providers as per the framework implemented by TRAI and confirm compliance of this direction to the Authority by email to infosec@irdai.gov.in on or before 5th April, 2021.

 Sd/-
A.R.Nithiyanantham
Chief General Manager (IT)

FAQ :

The circular addresses the growing problem of spam calls and messages, including fraudulent and unsolicited commercial communications targeting policyholders.

Insurers are directed to register their message templates with their respective telecom service providers.

Registering message templates helps in identifying messages and voice calls from legitimate insurers, thereby controlling unsolicited and fraudulent communications.

Insurers must complete template registrations and confirm compliance to the IRDAI by email on or before April 5, 2021.

Non-adoption of TRAI's new procedures could lead to the disruption of message delivery to policyholders.

 

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